MCA Shield · Invoice factoring company research
Charter Capital Reviews, BBB Rating, Factoring Rates & Requirements
Research Charter Capital reviews, Trustpilot and Google-sourced ratings, its BBB rating and complaint record, factoring rates, fees, invoice requirements, startup eligibility, recourse options and contract terms. Find out whether Charter Capital is a legitimate company, then compare its published terms with other invoice factoring providers.
Represent this company? Update your profile or explore placement opportunities →
This factoring inquiry contacts MCA Shield, not Charter Capital. It does not guarantee a referral to Charter Capital, approval, an offer or a particular rate.
Is Charter Capital potentially a good fit?
Worth comparing: A business with valid unpaid invoices from commercial customers, especially a startup or established B2B business that values flexible invoice selection, customer credit evaluation and industry-specific factoring. Charter Capital advertises no fixed personal credit score or time-in-business minimum and discusses transportation, staffing, manufacturing and service industries.
Confirm before signing: Actual fee schedule and advance; whether a monthly minimum applies to you; exact non-recourse exclusions; personal guarantees and UCC liens; treatment of existing MCA debt; cancellation notice and reserve releases. An advertised policy is not an approval guarantee.
MCA Shield editorial comparison, not individual financial or legal advice. Rates & fees · Requirements · Contracts & UCC.
Disclosure: MCA Shield performs public-source research and may receive referral compensation or offer paid placements. Paid placements are labeled Sponsored. Profile inclusion is not endorsement. Full methodology and referral disclosure.
Charter Capital Reviews: Trustpilot, Google & Birdeye
Charter Capital has identifiable independent review records, but the total sample is small. Google-sourced reviews shown on Birdeye and the Birdeye aggregate are the same eight reviews—not 16 distinct experiences.
5 customer reviews
The matched Trustpilot page uses a historical domain but identifies the same Bellaire address, company phone and email. Five reviews is too small for strong statistical conclusions.
8 reviews shown
Birdeye attributes eight reviews to Google and zero to Birdeye-native submissions. The original Google Business Profile rating/count was not independently retrieved during the research.
No BBB customer star average
The matched BBB customer-review page displayed zero reviews. The BBB A+ grade is a business rating, not a customer-review score.
What the available Charter Capital reviews discuss
Positive observations
Visible reviews mention long-term working relationships, responsive representatives, cash-flow support and prompt funding. Some customers describe returning to the company over multiple years. These are self-reported reviews, not audited performance outcomes.
Limitations and mixed evidence
The research did not establish a recurring negative theme from its small current independent sample. That is not proof that disputes or negative experiences do not exist. Historical review platforms and aggregators should not be added together as if their ratings were independent.
Before relying on online ratings: consider how old the reviews are, sample size, whether reviews were solicited, relevance to your industry and whether the feedback describes actual financing outcomes. Ask for a written quote and factoring agreement.
Sources: Trustpilot ↗ · Birdeye ↗ · BBB reviews ↗.
Charter Capital BBB Rating, Accreditation & Complaints
The matched BBB profile belongs to Charter Capital Holdings LP in Bellaire, Texas. Be careful not to confuse it with similarly named companies in other states.
Accredited since March 28, 2021
BBB lists Charter Capital Holdings LP as an accredited business with an A+ company grade.
No complaints displayed
The matched BBB complaints page reports zero complaints for its displayed reporting period. This does not establish an absence of complaints on every other channel or at other times.
No BBB review average
The customer reviews page separately shows zero reviews. The BBB business grade cannot be substituted for a customer-satisfaction rating.
BBB details: Business start date November 7, 2001; BBB file opened August 27, 2019; principal business contact Keith Mabe, senior vice president. BBB accreditation is not an endorsement of a factoring product. The displayed complaint and review counts may change.
Is Charter Capital Legit or Legitimate?
Charter Capital appears to be a legitimate, established invoice factoring business based on its identifiable legal entity, independently matched BBB record, official website and third-party review listings. But whether it is right for a specific business—and whether an offer is fair—depends on the actual contract, total fees, recourse obligations and invoice eligibility.
What supports legitimacy
- Identifiable entity: BBB lists Charter Capital Holdings LP, a limited partnership in Bellaire, Texas, with a business-start date of 2001.
- Matched address: 6750 West Loop South, Suite 1010, Bellaire, TX 77401 appears across official and independent records.
- BBB standing: BBB shows an A+ business rating and accreditation since 2021.
- Third-party review records: Trustpilot and Birdeye display company-matched customer feedback, subject to sample and verification limits.
- Official product details: The company publishes factoring services, pricing explanations and contact channels on charcap.com.
What legitimacy does not establish
- That every applicant qualifies or receives an advertised rate.
- That an A+ BBB rating means every customer has been satisfied.
- That factoring is appropriate when receivables are pledged to another lender.
- That there are no personal guarantees, UCC filings, minimums or cancellation charges.
- That non-recourse factoring protects against every customer nonpayment reason.
- That the company has no litigation or regulatory matters anywhere; comprehensive clearance was not performed.
How to confirm you are dealing with the actual Charter Capital
- Start with the official website and confirm the address and contact information.
- Compare the legal name and address with the matching BBB profile.
- Ask for the actual provider/legal entity, factoring agreement, fee schedule and written definitions of recourse before signing.
- Send sensitive customer, banking and tax records only through a company-verified secure channel.
Charter Capital Factoring Rates, Advance Percentages & Fees
Charter Capital advertises factoring rates as low as 1%, commonly 1%–3% for qualified customers, and advances generally around 90%, with up to 98% advertised. These are company statements, not guaranteed offers. Its rate-by-volume table describes general industry patterns, not Charter Capital’s own rate card.
Customized to the account
The initial or flat factoring fee can depend on customer credit, industry, invoice volume, invoice age and the contract’s pricing structure.
Common range, not a ceiling
Charter Capital describes this range for businesses with strong customers and regular invoice volume. Your actual rate requires an individual quote.
Program-specific maximum
Detailed pages describe up to 98%; the homepage separately advertises up to 100%. Confirm the advance, reserve and fee treatment for your actual offer.
These ranges describe general factoring-industry patterns published by Charter Capital. They are not Charter Capital’s rate card or a quote for your business.
| Monthly invoice volume | General industry rate range | What the range means |
|---|---|---|
| Under $50,000 | 3.0%–5.0% | General industry pattern for smaller volumes or newer businesses; not a Charter Capital quote. |
| $50,000–$150,000 | 2.0%–3.5% | Invoice quality, debtor credit and timing still matter. |
| $150,000–$500,000 | 1.5%–2.5% | Illustrative, not a guaranteed price band. |
| $500,000+ | 1.0%–1.75% | Higher volumes may qualify for negotiated fees. |
Source: Charter Capital factoring costs and general industry rate-by-volume guidance ↗.
Additional charges and provisions to verify
| Item | Company-published position | Confirm in your agreement |
|---|---|---|
| Setup/origination | Company advertises waived setup and origination fees. | Any specialized diligence or account setup charge. |
| ACH transfers | No ACH fee advertised. | Wire-transfer and third-party charges, if applicable. |
| Collection support | Collections are described as included at no extra charge. | Exceptions for disputes, recovery or special collections. |
| Monthly factoring minimum | Often waived / rarely required, not universally prohibited. | Minimum-volume shortfall fee or required monthly spend. |
| Termination | Easy-notice / no long-term lock-in advertised. | Exact written notice, early exit charge, reserve timing and lien-release conditions. |
| Flat vs. tiered fees | Both structures are discussed by Charter Capital. | When fees increase as invoices age or customers pay slowly. |
Example: How an invoice factoring fee changes the amount received
For a hypothetical $30,000 invoice at a 95% advance and a 2% factoring fee, the initial advance would be $28,500. If the customer then pays the full invoice and there are no additional charges, the $600 fee is deducted and $900 of the reserve is released. Total received: $29,400.
Illustration only; not a company offer. Final cost depends on the written agreement and when the customer pays.
A factoring fee is not automatically an APR. Compare companies using the same invoice value, advance, customer-payment date, fee escalation assumptions and all ancillary charges. Ask for a written total-dollar-cost example.
Sources: Factoring cost / fee structure ↗ · Accounts receivable factoring example ↗.
Charter Capital Factoring Requirements: Credit, Revenue & Minimum Invoices
Charter Capital's published marketing emphasizes its customer's ability to pay and the quality of eligible commercial invoices. An absence of a stated rigid cutoff is not guaranteed approval.
| Question | Published / researched answer | Qualification |
|---|---|---|
| Minimum credit score | No fixed personal score minimum advertised. | Confirm what underwriting and credit checks actually apply. |
| Startups | Startups are advertised as eligible for consideration. | Qualifying B2B invoices and debtor quality still matter. |
| Minimum time in business | No rigid time-in-business minimum published. | Specific industries may have additional requirements. |
| Minimum monthly revenue | No universal company-wide revenue cutoff verified. | Company describes typical clients with $20k–$1.5m monthly sales—this is not a minimum. |
| Minimum invoice amount | No rigid invoice minimum advertised. | Ask whether small invoices trigger specific minimum fees. |
| Minimum monthly factoring volume | Small-business page explicitly advertises no monthly volume requirement. | Confirm that this program applies to your account and obtain the fee schedule. |
| Maximum facility / advance | No universal maximum facility verified; detailed pages advertise up to 98%, while the homepage advertises up to 100%. | Credit limits and reserves are negotiated per account. |
| Existing MCA debt or liens | No broad acceptance policy independently verified. | Existing UCC interests can complicate invoice assignments. |
| Hard versus soft credit pull | Homepage advertises no hard credit pulls for the free quote and pre-approval. | Confirm whether subsequent underwriting involves additional inquiries; this does not mean no checks of any kind. |
Sources: Small-business factoring ↗ · Factoring FAQs ↗ · Invoice factoring overview ↗.
What Charter Capital asks for when you apply
Its official FAQ lists an application, current accounts receivable and accounts payable aging reports, incorporation or DBA documentation, a customer list and a sample invoice. Additional documents may depend on your industry and account.
Can you factor only selected invoices?
The FAQ says there is no minimum number of invoices to sell and permits factoring a portion of invoices or a single customer, provided it is not a one-time transaction. Confirm the recurring relationship and invoice-selection terms in your agreement.
Sources: Application and invoice-selection FAQ ↗ · Quote/pre-approval credit-check statement and advance advertising ↗.
Key takeaway for new businesses: A startup might qualify if it has valid receivables from customers who can pay. Ask how Charter Capital verifies invoices, evaluates concentration and calculates any monthly minimums.
Charter Capital Invoice Factoring, Freight Factoring & Services
Charter Capital describes itself as a direct purchaser of qualifying commercial receivables, not an MCA debt relief or settlement provider. Its main financing service is invoice factoring; related features can vary by industry and agreement.
Invoice & accounts receivable factoring
Purchases approved unpaid B2B invoices; advances a negotiated percentage; collects payment; releases residual amounts after deducting fees. Official service overview ↗
Small-business and startup factoring
Advertises flexibility for startups, variable factoring volumes and strong-customer receivables. Small-business program ↗
Freight / trucking factoring
Offers programs for owner-operators, fleets, brokers and transportation providers, with same-day funding options, collections support and conditional fuel-card benefits. Freight factoring ↗
Recourse and non-recourse options
Company materials explain both forms. Their cost and customer nonpayment protection differ; contract exclusions and eligibility must be checked. Company explanation ↗
Additional service features: Customer credit evaluation, collection assistance, digital invoice submission, dedicated account support and Spanish-language assistance appear in company materials. These are service features, not separate financing products.
Charter Capital Recourse, Non-Recourse, UCC Liens & Personal Guarantees
The exact agreement is essential. Charter Capital explains recourse and non-recourse factoring publicly, but the research did not establish one universal standard for security interests, personal guarantees or businesses with existing merchant cash advances.
Recourse factoring
With recourse, the business can be required to buy back or replace an invoice that remains unpaid under defined circumstances. Confirm the aging threshold, chargeback triggers and collection process.
Non-recourse factoring
Charter Capital discusses non-recourse options. Such coverage may be limited to approved customers becoming insolvent or experiencing covered credit default—not disputes, short payments, fraud or delayed settlement. Ask exactly what the policy covers.
UCC filing and collateral
The supplied research did not verify whether all factoring agreements require a UCC statement, what collateral it covers or whether a blanket lien applies. The company FAQ says an existing bank A/R lien may require subordination; if the bank declines, a payoff/buyout may be an alternative when sufficient receivables support it. This does not establish automatic acceptance of MCA debt.
Personal guarantee & existing MCAs
No universal personal-guarantee rule was verified. Charter Capital's policy for existing MCA balances, stacked MCAs, active collections, defaults or other blanket UCC liens was also not established.
Contract length, minimums and cancellation
The company advertises no long-term contracts, selective invoice factoring and easy-notice termination. However, exact cancellation notice, potential charges, final account-closeout and lien-discharge procedures were not verified as universal terms. For ordinary paid invoices, the company separately publishes a typical residual-release timeline below. Ask for the full contract before relying on marketing language.
Have existing MCA debt or a UCC lien? Ask whether Charter Capital will require payoff, release, subordination or direct lender coordination before purchasing invoices. Do not assume a factoring approval can override an existing creditor’s security interest.
Sources: Recourse vs. non-recourse ↗ · Published terms and fees ↗ · Accounts receivable factoring ↗.
Charter Capital vs. altLINE vs. 1st Commercial Credit
For a useful side-by-side comparison, look at provider model, published fees, advance structure, eligibility, contract requirements and independent reputation sources—not one headline rate or a directory position.
On mobile, swipe left and right. These are dated, non-equivalent company-advertised ranges; only actual written quotes can establish cost for the same applicant and receivables.
| Research point | Charter Capital | altLINE | 1st Commercial Credit |
|---|---|---|---|
| Provider identity | Direct invoice factoring company; BBB lists Charter Capital Holdings LP, Bellaire TX. | Bank-operated factoring division of The Southern Bank Company. | Direct factoring and commercial receivables finance provider based in Austin TX. |
| Published factoring rates | Starting at 1%; commonly 1%–3% for qualifying accounts. Its volume-based industry ranges are not Charter Capital’s rate card. | General initial fee published at 0.5%–3.0%, with contract-specific additional costs. | Official factoring page advertises 0.69%–1.59%; confirm the fee period and program rather than comparing this directly with another company’s total fee. |
| Advance / timing | Typically around 90%; detailed pages advertise up to 98%, homepage up to 100%. First-invoice and recurring funding timing differ. | Typically 80%–90% advance; freight up to 100% advertised; post-onboarding same-day options. | Factoring page advertises up to 97% advances and initial setup/funding in 3–5 working days; later approved invoice funding may be faster. |
| BBB business grade | A+ and accredited in research snapshot. | A+ and accredited in research snapshot. | A+ and accredited in research snapshot. |
| Trustpilot research | 4.1/5 from 5 matched reviews. | 4.4/5 from 69 matched reviews in dated research. | No independently established matched numerical score in research. |
| Requirements / minimums | No fixed personal credit or rigid invoice minimum advertised; startups considered; verify account-specific minimums. | Homepage says an established operating history is not required. Current universal revenue, personal-credit and monthly-volume cutoffs were not established. | Official factoring page advertises no monthly or per-invoice minimums; confirm your program and written agreement. |
| Recourse, UCC and agreement | Both recourse and non-recourse discussed. UCC, guarantees and exact exclusions need written verification. | Recourse and UCC disclosed for some programs; confirm the precise offer. | Trucking non-recourse option advertised; standard program security and recourse terms need verification. |
| Application paperwork | Application, A/R and A/P aging, incorporation/DBA documents, customer list and sample invoice. | Its general guide discusses invoices, A/R aging, bank account, tax ID and identification; request altLINE’s account-specific checklist. | Two-page application, A/R aging, invoices and basic business details; advertises no financial statements up to $350,000. |
| Setup and transfer fees | Advertises no sign-up fees; published cost page describes waived setup/origination and no ACH fee. | Published comparison table lists $150–$500 origination and $0–$3 ACH fees; individualized terms apply. | Factoring landing page advertises no upfront setup fees. Obtain a complete schedule for the quoted facility. |
| Other fee distinctions | Confirm invoice aging tiers, minimum charges and optional transfer costs. | Lists no float days, lockbox, monthly-access, credit-approval, same-day-funding or renewal fees. Confirm the quoted program. | Published minimum-free program is not evidence that every specialized facility has identical terms. |
| Read detailed profile | Charter Capital fees & terms ↑ | altLINE rates, reviews & contract → | 1st Commercial Credit rates & reviews → |
Comparison combines dated MCA Shield research with official-site checks on October 20, 2026. Published offers are not matched quotes; existing review figures retain their original research dates.
Charter Capital vs. altLINE: flexibility and itemized costs
Charter Capital publishes selective-invoice and no-long-term-contract advertising. altLINE’s bank-operated model and detailed fee table offer a different comparison point. Its published exclusions can make a fee-by-fee comparison easier, but do not establish that it is cheaper for your invoices.
Ask altLINE to confirm any required volume, which customer invoices must be assigned, and its cancellation rules. Ask both companies to price the same invoices paid in 30, 45 and 60 days, including setup, transfers and fee escalation. Compare the amount received and obligations, not just the initial percentage.
Charter Capital vs. 1st Commercial Credit: minimums and documentation
Both publish flexible minimum policies. 1st Commercial Credit’s factoring page also advertises reduced financial-statement requirements up to $350,000; this does not mean no application documents or underwriting. Its advertised facility range is $10,000–$10 million, a separate concept from a minimum invoice size or monthly commitment.
Charter Capital’s selective-invoice policy explicitly excludes a one-time transaction. Obtain equivalent written answers from 1st Commercial Credit about invoice selection, contract duration, minimum fees, recourse and account termination before deciding that the programs offer the same flexibility.
Which should you explore? Consider Charter Capital when selecting invoices and variable monthly volume are priorities; altLINE when bank-operated funding and an itemized fee comparison matter; and 1st Commercial Credit when its advertised minimum-free program and lighter financial-statement requirements fit your situation. These are reasons to investigate, not approval predictions or a ranking.
Official comparison sources: Charter Capital FAQ ↗ · Charter Capital small-business program ↗ · altLINE provider and startup information ↗ · altLINE general factoring guide ↗ · altLINE fee table ↗ · 1st Commercial Credit published factoring offer ↗.
More comparisons: Charter Capital vs. FundThrough, Riviera Finance & eCapital
Charter Capital vs. FundThrough
Compare minimums, factoring structure, advance timing and whether the program requires a particular invoice or customer volume. Open FundThrough profile →
Charter Capital vs. Riviera Finance
Compare recourse exposure, collections handling, funding speed and termination provisions. Open Riviera Finance profile →
Charter Capital vs. eCapital
Compare factoring suitability by industry, fee calculation, advance and credit approvals. Open eCapital profile →
Copy an Email With Five Charter Capital-Specific Questions
A useful written reply should clarify the areas that company marketing and independent research cannot settle for every applicant.
Five questions to ask before applying or signing
Public contact: (877) 960-1818 · info@charcap.com. Verify the recipient before sending confidential records.
Charter Capital factoring: written rates, non-recourse, UCC and contract terms for [Business name]
Edit the placeholders before sending. The copy controls only copy text; they do not email Charter Capital, contact MCA Shield, submit an application or authorize a credit inquiry. Do not send sensitive documents by ordinary email.
How Charter Capital Factoring Works: Application & Funding
The company describes a process of qualifying a business and its invoice customers before advancing cash on eligible receivables. Same-day funding is advertised, but it should not be confused with a guaranteed approval time for every new applicant.
Discuss the invoices
Provide basic information about industry, receivables, customers, volume and intended use of proceeds.
Customer quality
Charter Capital reviews whether invoice customers can pay, along with invoice age and concentration.
Rate, advance & structure
Request the specific fee schedule, advance and reserve plus recourse, minimums and security terms.
Review the contract
Confirm termination, UCC/security, personal guarantees and customer-payment instructions before signing.
Eligible receivables
Submit the invoice, Charter Capital’s invoice submission form and supporting evidence of completed work or delivery. Customer verification is part of the process.
Same-day options*
Once invoices are approved, same-day advances may be available; residual reserves are settled after debtor payment less applicable charges.
*Advertised timing may depend on approval, cutoffs and funding method. Source: Company FAQs ↗ · A/R process ↗.
First invoice versus repeat funding
Charter Capital’s first-invoice guide says most initial submissions fund in one to two business days once the invoice, submission form and customer verification are complete. Repeat submissions from an already verified customer typically move faster. Same-day advertising should not be read as a guarantee from first application.
Backup can include a signed delivery confirmation, completed purchase order or signed customer acceptance. Ask your account manager what establishes completed work for your industry.
When is the reserve or residual released?
The company’s reserve guide describes release typically within one to two business days after the customer’s full payment clears and is confirmed, less factoring fees. Late-payment charges may affect the balance under your agreement. Ordinary invoice settlement is different from closing the entire account and releasing liens.
Charter Capital Industries Served & Geographic Availability
Charter Capital advertises invoice factoring throughout the United States, but state-specific conditions and individual customer eligibility should be verified.
Industry examples
Trucking, freight brokers, staffing, manufacturing, distribution, oil and gas services, security firms, professional services, consulting, construction-related businesses, machine shops, technology and other businesses issuing eligible B2B invoices.
Nationwide marketing and California note
Company materials market services across the U.S. and publish a California financing license number (60DBO-193594), but the research did not independently verify current California regulatory status or every state’s eligibility rules. Fuel-card benefits are advertised as unavailable in California.
Charter Capital Holdings LP: Company Background & Leadership
The matched records identify Charter Capital as a Bellaire, Texas commercial factoring business, operating under Charter Capital Holdings LP. The business’s identity and history should not be conflated with unrelated similarly named finance companies.
Founded in 2001
BBB records list business start November 7, 2001, BBB file opened August 27, 2019, and the legal entity type as a limited partnership. The registered location is 6750 West Loop South, Suite 1010, Bellaire, Texas 77401.
Gregory Brown, Joel Rosenthal & Keith Mabe
Company materials identify Gregory Brown and Joel Rosenthal as co-founders and executive managers. BBB identifies Keith Mabe as senior vice president and principal contact. Current ownership shares and complete management were not independently audited.
Charter Capital Licensing, Lawsuit & Regulatory Research Limits
A factual company profile should distinguish documented business identity from comprehensive legal or regulatory clearance.
California licensing claim
Charter Capital publishes California Financing Lender license number 60DBO-193594. The October 15 research package did not independently verify current license status, scope or licensee details through the state regulator. Treat it as a company-published claim, not an independently confirmed license check.
Litigation / Charter Capital lawsuit searches
The supplied research noted a secondary legal-database listing for a reported 2024 commercial contract filing naming Charter Capital Holdings LP, but the underlying official docket, allegations and outcome were not independently reviewed. A party named in a filing has not thereby been found liable, and no adverse conclusion should be drawn from that listing.
Verification boundary: No comprehensive nationwide court, state banking or regulator search was performed. A lack of independently identified findings is not proof that no dispute, case, enforcement action or licensing issue exists. Businesses with material legal concerns should check official records or obtain counsel.
Charter Capital Reviews, Legitimate Company, BBB & Factoring FAQs
Is Charter Capital legit?
Charter Capital appears to be an established operating factoring company. BBB identifies Charter Capital Holdings LP in Bellaire, Texas, with a 2001 business start date and A+ accredited business rating. The official company website and matched review listings provide additional identity evidence. This does not establish that any specific offer is suitable or low cost. See the legitimacy evidence and caveats.
Is Charter Capital a legitimate company?
Yes in the sense that there is independent evidence of a real, established business under Charter Capital Holdings LP. Nevertheless, verify the entity that would purchase your invoices, your total fees, contract obligations and security interests before signing.
What is Charter Capital's BBB rating?
BBB displayed an A+ business rating and accreditation since March 28, 2021 in the dated research. A BBB business grade is not the same as a customer review score. Read the BBB information.
Does Charter Capital have BBB complaints?
The matched BBB complaints page showed zero complaints when checked. That count reflects BBB's displayed records, not every possible complaint elsewhere. View the BBB complaints source ↗.
What do Charter Capital reviews say?
A small set of matched online reviews includes comments about responsive staff, longer-term relationships and cash-flow support. Trustpilot showed 4.1/5 from five reviews and Birdeye showed 4.5/5 from eight Google-sourced reviews. These are snapshots and are not statistically representative. See the review analysis.
What are Charter Capital's factoring rates?
The company's rate guide advertises rates starting at 1%, commonly 1%–3% for businesses with strong customers and regular invoice volume. Its separate volume-based table describes general industry patterns, not Charter Capital’s rate card. Ask for your exact fee formula and a total-dollar-cost illustration. Review rates & fees.
How much of an invoice does Charter Capital advance?
Detailed pages describe typical advances around 90% and up to 98%; the homepage separately advertises up to 100%. Confirm which program and fee treatment apply rather than treating the largest advertised figure as a universal offer.
What is Charter Capital's minimum credit score?
Charter Capital advertises no fixed personal credit score minimum for certain factoring programs. It evaluates the invoice customers and other risk factors. That is not a blanket approval guarantee.
Does a Charter Capital quote require a hard credit pull?
The homepage advertises no hard credit pulls for its free quote and pre-approval. Ask whether later underwriting involves additional checks before authorizing them.
When does Charter Capital release my reserve?
Its reserve guide describes residual payment typically within one to two business days after the customer’s full payment clears and is confirmed, less fees. Account closure and lien releases can follow separate procedures. Read the settlement details.
Will Charter Capital finance startups?
Company materials discuss startup eligibility for consideration when qualifying invoices and creditworthy customers are present. Exact requirements, customer concentration and industry exclusions must be confirmed.
Does Charter Capital have a minimum invoice or monthly volume?
It advertises no rigid invoice minimum and generally does not require monthly factoring minimums. Program-specific terms or fees may still apply. Request written confirmation.
Does Charter Capital offer non-recourse factoring?
Its public materials describe both recourse and non-recourse factoring. Coverage may exclude disputes or non-credit reasons for nonpayment; confirm the exact written definition for your offer. Read contract considerations.
Does Charter Capital require a UCC lien or personal guarantee?
A universal company-wide UCC filing or personal guarantee policy was not independently verified. Ask whether the lien is limited to the purchased receivables or includes other business assets, and request the exact guarantee language.
Will Charter Capital accept businesses with existing MCA debt?
No broad published approval policy was verified for existing MCA balances, stacked advances, defaults or other UCC liens. Ask the company's underwriting team and disclose competing security interests.
Does Charter Capital have long-term contracts or cancellation fees?
It advertises no long-term contracts and easy-notice termination. The precise notice period, any contract-specific costs and release of reserves and liens still require written verification.
How quickly can Charter Capital fund an invoice?
Its first-invoice guide describes one to two business days after documentation and customer verification are complete. Repeat invoices can fund faster, and same-day options are advertised. New-client underwriting may add time. See documentation and funding details.
Has Charter Capital been involved in a lawsuit?
The supplied research identified a secondary listing referring to a reported 2024 commercial contract filing naming Charter Capital Holdings LP, but the underlying official court docket and disposition were not independently verified. Being named in a case does not establish wrongdoing. See legal research limitations.
How does Charter Capital compare to altLINE, 1st Commercial Credit or FundThrough?
Compare matched invoice volume, customer quality, total fee, advance, recourse, minimums and security/contract terms. Open the three-company comparison and alternatives.
Does MCA Shield send my inquiry directly to Charter Capital?
No. The inquiry form contacts MCA Shield, not Charter Capital, and doesn't guarantee approval, referral or financing terms.
Research Method, Author & Original Sources
This independent editorial company profile summarizes public data, official provider statements and third-party review records. It is not a firsthand account of purchasing factoring from Charter Capital and does not establish eligibility, cost or legal enforceability for any reader.
Research process & limitations
Research compiled October 15, 2026; major linked source records were additionally reviewed October 20, 2026. The company official website supports advertised programs and pricing, while BBB supports business identity, rating and customer-review / complaint counts; Trustpilot and Birdeye contain customer-submitted experiences. These sources measure different things and cannot be combined into a single rating.
Universal minimum credit policy, existing MCA/UCC eligibility, financing limits, guarantees, cancellation notice, contract-specific recourse, precise regulatory licensing status, comprehensive litigation history and original Google Business Profile metrics were not fully verified. Terms, platform scores and complaint counts may change.
Company and independent source directory
- Charter Capital official website ↗
- Official company background and company-reported service coverage ↗
- Invoice factoring overview ↗
- Factoring rates, fee ranges, advances and sample calculations ↗
- Startup and small-business factoring ↗
- A/R factoring and recourse descriptions ↗
- Trucking / freight factoring ↗
- Recourse and non-recourse differences ↗
- Company FAQ and funding process ↗
- Official company contact page ↗
- BBB business rating, accreditation, identity and history ↗
- BBB complaint record ↗
- BBB customer reviews ↗
- Charter Capital Trustpilot profile ↗
- Birdeye Google-sourced customer reviews ↗
Editorial, sponsored listing & referral disclosure
MCA Shield offers paid placements in its comparison categories and may earn referral compensation for inquiries referred to selected partners. Paid placements must be labeled Sponsored. An inclusion is not an endorsement, quality rank or guaranteed match. Profile corrections are reviewed without a required payment.
What would you like to do next?
Compare invoice factoring options through MCA Shield
Use the MCA Shield inquiry form to describe your receivables, customer terms and funding goals. The request goes to MCA Shield—not directly to Charter Capital—and does not guarantee approval or any specific factoring offer.
Contact Charter Capital directly
Main phone: (877) 960-1818
Company email: info@charcap.com
Address: 6750 West Loop South, Suite 1010, Bellaire, TX 77401
For owners, employees and authorized company representatives
Represent Charter Capital?
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